3D Verify
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Written by Support
Updated over a week ago

Created: April 12, 2017 

Updated: October 4, 2021

sticky.io’s 3D Verify is integrated directly into your checkout process. 3D Verify allows you to perform a 3D protected transaction, without having to redirect the customer to their bank to enter in personal information. This will shift chargeback risk away from you and onto the issuing bank without adding friction to the checkout process.

With sticky.io’s 3D Verify: 

  • Move liability for chargebacks due to fraud from the merchant to the card issuer

  • Improve online transaction security with an authenticated payment system

  • Easily integrated with our Payment Gateway for an added layer of fraud protection

  • Integrate directly into your checkout process

  • Protect your business from potential chargebacks on your first rebill 


If you would like to use the 3D Verify feature with your gateway, you will need to contact clientsuccess@sticky.io to sign up for this service. From there, you will be able to enable this feature in your platform on your gateways.


Once confirmed that 3D Verify has been enabled in your platform, you will now be able to add your gateway profile. To configure 3D Verify in your platform, you will go to Admin > Providers and select "Add New Provider Profile" from the Actions drop-down menu. Select "Payment Gateway" as the type, select the 3D Verify enabled gateway provider (such as sticky.io) from the Provider drop-down list, and fill out the required gateway parameters. Select "Yes" in the sticky.io 3D Verify field.


You will need to configure your checkout page properly in order to use 3D Verify. For instructions and examples, please visit our API documentation here: https://developer-prod.sticky.io/?version=latest#edee25d3-99f0-440c-8780-a8be473ae250


Please be advised that the following Merchant Category Codes are NOT supported with 3D Verify:

MCC 4829: Wire Transfer/Money Order.

MCC 5967: Direct Marketing-Inbound Teleservices. 

MCC 6051: Non-Financial Institution-Foreign Currency, Money Order (not Wire Transfer), Travelers’ Cheques.

MCC 7995: Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting and Wagers at Race Tracks.

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